Federal credit union · Rochester, New York · NCUA charter #16236
Gates Chili
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $30.5M
- Total assets
- 2,219
- Members
- 7.3%
- Net-worth ratio
Gates Chili scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.5M; members 2,219; net-worth ratio 7.33%; health rank #3,032 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,032 of 4,374 health · 2025Q4Gates Chili · health 78/100 · $30.5M · 2025Q4
- PHOTO 78/100
- BOOK 7.3%
- CHARTER 0.73%
- NCUSIF 0.35%
- CAMELS $30.5M
- HEALTH 2,219
- NW #3,032/4,374
- DELQ Huntington C & O Railway Employees
- ROA 16236
Call Report peers
Gates Chili in the assets neighbourhood
Gates Chili's $30.5M assets sit next to Huntington C & O Railway Employees ($30.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gates Chili vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Gates Chili - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #16236. See our deposit-insurance coverage note.
Gates Chili: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.42 pp (0.73% vs 1.15%).
- Loan-to-Share Ratio trails the peer set - 46.83% here, 59.80% peer average (-12.97 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Gates Chili: in-state Call Report ranks
- New York health ordinal: #172 of 272.
- By total assets, Gates Chili is #164 of 272 in New York.
- Membership ranks #167 of 272 among New York CUs with a reported count (2,219 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Gates Chili
Gates Chili: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $30.5M (2025Q4) to $31.4M (2026Q1).
- Net-worth ratio shifted -0.08 pp (7.41% → 7.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 23.3 pts
- Delinquency Rate 22.7 pts
- Return on Assets 12.8 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 10.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.33% | -7.53 pp |
| Delinquency Rate | 0.73% | -0.42 pp |
| Return on Assets | 0.35% | -0.35 pp |
| Member Growth | 0.09% | - |
| Loan-to-Share Ratio | 46.83% | -12.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Gates Chili filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.4M | - |
| 2025Q4 | $30.5M | 2,219 |
| 2024Q4 | $30.0M | 2,217 |
| 2023Q4 | $30.9M | 1,954 |
Credit Union Details
- Charter Number
- 16236
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Rochester
- Data Quarter
- 2025Q4
Branch Location
Gates Chili operates a single office in Rochester, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Rochester, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Gates Chili nationwide neighbourhoods
Two NCUA Call Report peer sets for Gates Chili, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($30.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Gates Chili ranks #3,032 of 4,374 nationally on financial health and #172 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gowanda Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gowanda Area
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Gates Chili financially healthy?
Gates Chili has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,032 of 4,374; by total assets it ranks #2,840 of 4,374 nationally (same basis as /rankings/largest); and #164 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.33% and delinquency rate of 0.73%.
How does Gates Chili compare to other credit unions?
Five weighted metrics from NCUA filings produce Gates Chili's 78/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Gates Chili?
Gates Chili operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Gates Chili directly for the exact boundaries and application steps.
Is my money safe at Gates Chili?
Federal credit unions like Gates Chili are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Gates Chili's net worth ratio of 7.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gates Chili offer compared to banks?
Credit unions like Gates Chili are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Gates Chili directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.